DMV Points vs. Insurance Points

DMV points vs insurance points is simple. DMV points affect the status of your license and driving privileges, while insurance points raise your rates. Points from a driving offense like a DUI can raise your rates over $1,000 more a year.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 18, 2021

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Things to remember...

  • DMV points are what the DMV adds to your driving record after traffic violations.
  • The insurance points system is when insurers add points to your insurance record.
  • In some cases, you may remove points earlier by taking a defensive driving course or contesting a ticket.

Are you stressed trying to figure out what the difference is between DMV points vs insurance points? What do points on your insurance even mean? Our guide breaks down the difference between license points vs insurance points, as well as how DMV and insurance points work. Read on to learn more.

If the DMV point system is ruining your insurance rates, start shopping for cheap auto insurance rates right away. Enter your ZIP code in our free tool above to get started.

DMV Points and Insurance Points

So what is the difference between auto insurance points vs DMV points? How do insurance points work in contrast to DMV points? The quick explanations below should help.

  • How do the DMV and points work? DMV points are what the DMV adds to your driving record after traffic violations. If you accumulate enough points, your license may be revoked.
  • What are the insurance points? The insurance points system is a system wherein insurers add points to your insurance record. While these points don’t affect your license, they will raise your insurance rates.

Keep reading to see how many insurance points is too much, and what you can do about it.


How many points raise your insurance?

How will points affect auto insurance rates? Most drivers wonder how many points affect insurance. Common questions are, “How much will my insurance go up with 3 points? How much do 4 points affect insurance? Is having 2 points on your license bad?”

Unfortunately, there is no clear cut guide on how much points will raise your rates. There are a number of factors that influence how much insurers charge for something like 4 points on a license insurance increase.

The two most important factors are the nature of the violation behind the point and the time that passes between points. So if you are wondering, “Does a 0 point ticket affect insurance?”, the answer is likely no. For example, violations like a parking ticket won’t raise your rates but running a red light will.

The following table explains how major traffic violations can affect your rates.

Average Annual Auto Insurance Rates by Driving Record
Insurance CompaniesAverage Annual Auto Insurance Rates with a Clean RecordAverage Annual Auto Insurance Rates with 1 AccidentAverage Annual Auto Insurance Rates with 1 DUIAverage Annual Auto Insurance Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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Not only do these offenses add points to your license, but your insurance rates will go through the roof.

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Finding Out How Many Points are on Your License

How much do points affect insurance? It depends how many points are on your license. The best way to find out how many points you have is to contact your state DMV.

Contacting the DMV will also help find answers to state questions like, “How much do 2 points affect insurance points in NJ?” You can also find out how many points are permissible in your state before your license is revoked.

Can I keep auto insurance while my driver’s license is revoked?” The answer is no. Insurers will cancel your policy if you have a revoked license.

Frequently Asked Questions: DMV Points vs Insurance Points

Do you still have questions about how do DMV points affect insurance? Read on to see what others are asking.

How do insurance companies find out about tickets?

Every time you renew your insurance, companies check your Motor Vehicle Record (MVR) at the DMV to see if any new traffic violations have occurred. So if you get a speeding ticket, your rates won’t go up right away until your six-month or yearly policy renewal.

How do I remove points from my driving license?

In some cases, you may remove points earlier by taking a defensive driving course or contesting a ticket and getting it removed. Getting a ticket dropped will also make sure you don’t get insurance points added as well, such as Progressive insurance points.

How long do points stay on your license?

After a while (usually at least a year), points will cease to matter on your driving record, although a record of them will remain. In some states, a charge like a DUI will stay on your license for years.

How many insurance points for a speeding ticket?

Wondering how many points is a speeding ticket? It depends on what state you live in, but generally, a speeding ticket will add about two points to your license. Depending on your insurer, the insurance points for speeding will likely add at least $100 onto your annual premium.

How many points for driving without insurance?

Once again, this depends on the state. However, driving without insurance will add a high number of points to your license. According to NOLO, driving without insurance may result in the immediate revocation of your license and hefty fines.

We hope you have a better understanding of how DMV points affect your insurance points and rates.

If you find that your insurance rates have gone up after DMV points, it’s important to shop around to find affordable auto insurance rates. Enter your ZIP code in our free tool below to get great auto insurance quotes.

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